Transcription

2 LIST OF TABLES AND FIGURES TABLE 1. TABLE 2. TABLE 3. TABLE 4. Distribution of Medigap Companies with Standardized Medigap Policies in Force, by Market Size, December Number of Companies with Medicare Select Policies in Force and Number of Enrollees with Medicare Select Plans, December Percent of Companies with Standardized Medigap Policies in Force, by Plan Type, December Number of Policies, Standardized and Pre-Standardized Medigap Plans, December TABLE 5. Distribution of Enrollment by Standardized Plan Type, December TABLE 6. Change in Medigap Enrollment, Standardized Policies, December 2011 to December 2013, by Plan Type... 8 TABLE 7. Medigap Enrollment by Plan Type, State, and U.S. Territory, as Reported to the NAIC, December FIGURE 1. Number of Medigap Enrollees by State and U.S. Territory, December FIGURE 2. Percent of FFS Beneficiaries with Medigap, by State and U.S. Territory, December APPENDIX A. Medigap Benefits 2013: Standardized Medigap Plans ii Content and Design AHIP All Rights Reserved: AHIP 2014

3 SUMMARY This report presents trends in enrollment and coverage options in Medicare Supplement (Medigap) insurance using data on enrollment as of December 2013 from the National Association of Insurance Commissioners (NAIC). The NAIC dataset contains information on most Medigap policies in force in the U.S. and its territories, representing approximately 10.6 million enrollees, with policies from 298 companies. HIGHLIGHTS Between December 2012 and December 2013, enrollment in Medigap increased to 10.6 million, up from approximately 10.2 million in December Over the last several years, the fastest-growing Medigap plans have included newer standardized Medigap plans that contain enrollee cost-sharing requirements (copayments, coinsurance and/or deductibles). For example the highest rate of growth in enrollment was in Plan N, which includes cost-sharing of up to $20 for physician office visits and up to $50 for certain emergency room visits (waived in some circumstances); Plan N grew by 60 percent between December 2012 and December The percent of fee-for-service (FFS) Medicare beneficiaries with Medigap plans has been stable since 2010, ranging from 27 to 29 percent each year. BACKGROUND Medigap is a key source of supplemental coverage for Medicare beneficiaries. Seniors purchase Medigap coverage to protect themselves from high out-of-pocket costs not covered by Medicare, to budget for medical expenses, and to avoid the confusion and inconvenience of handling complex bills from health care providers. In 2013, the Medicare program had a $1,184 deductible per benefit period for inpatient hospital care (Part A) and a coinsurance beginning with day 61 of hospitalization. 2 Part B required a 20 percent coinsurance for outpatient and physician care after an annual deductible of $ In addition, the Medicare program does not have a limit on beneficiaries potential out-of-pocket costs. Appendix A, found at the end of this report, provides detailed information on the benefits and cost sharing features of 2013 Standardized Medigap plans as required by the 2008 Medicare Improvements for Patients and Providers Act (MIPPA). 1 AHIP Center for Policy and Research. Trends in Medigap Coverage and Enrollment, Coverage-Enroll There is no coinsurance for inpatient hospital care for the first 60 days of hospitalization, per benefit period. Beneficiaries would pay $296 in coinsurance per day per benefit period from days 61 to 90; and would pay $592 for coinsurance per each lifetime reserve day per benefit period after day 90 (up to 60 days over lifetime). After that all inpatient costs are borne by the beneficiary. medicare-2013-costs.html 3 Centers for Medicare & Medicaid Services. Medicare costs at a glance. See: costs-at-a-glance/costs-at-glance.html#collapse

4 Standardized Plans. Over the last 20 years, Medigap plans have undergone three major changes to benefit designs. The table below summarizes these major changes. Major Changes to Medigap Plan Benefit Designs Omnibus Budget Reconciliation Act (OBRA 1990), 1990 Medicare Modernization Act (MMA), 2003 Medicare Improvements for Patients and Providers Act (MIPPA), A Required that policies sold after July 1992 should conform to one of 10 uniform benefit packages, Plans A through J. A Eliminated prescription drug benefits. A Authorized two new plans (K and L) with cost sharing features. A Encouraged development of standardized benefit designs with additional cost sharing features. A Eliminated the at-home recovery benefit in favor of a new hospice benefit (described in next bullet). A Added a new core hospice benefit that covers the cost-sharing under Medicare FFS for palliative drugs and inpatient respite care. A Removed the preventive care benefit in recognition of the increased Medicare FFS coverage under Part B. A Introduced two new Medigap policies (Plans M and N) with increased beneficiary cost-sharing features. A Eliminated several standardized plans (Plans E, H, I, and J) that became duplicative or unnecessary due to benefit design changes. It should be noted that all Medigap plans are guaranteed renewable regardless of when they were purchased; therefore, some policyholders continue to maintain plans with previous benefits even though the plans can no longer be sold. Most Medigap plans cover beneficiaries Part A deductible and Part B coinsurance. Two plans standardized Plans C and F currently offer full coverage for the Part B deductible (however, Plan F can also be sold as a high-deductible plan). These two plans also cover Part B coinsurace and copayment amounts, as do most but not all standardized plans. Plans K and L do not cover the Medicare Part B deductible and cover a portion of beneficiaries Part B coinsurance. However, there is a limit $4,800 for Plan K and $2,400 for Plan L in 2013 on beneficiaries annual out-of-pocket costs for Medicare eligible expenses. 5 New Plans M and N entered the market in June of Plan M covers half of the Part A deductible and does not cover the Part B deductible. Plan N covers all of the Part A deductible and does not cover the Part B deductible. Plan N also includes cost-sharing amounts of up to $20 for certain physician visits and up to $50 for certain emergency department visits. Medicare SELECT plans are identical to standardized Medigap plans but require policyholders to use provider networks to receive the full insurance benefits. For this reason, Medicare SELECT plans generally cost less than other Medigap plans. 4 Effective June 1, Centers for Medicare & Medicaid Services and National Association of Insurance Commissioners Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare. 2

5 Waivered States. Three states (Massachusetts, Minnesota, and Wisconsin) offer standardized Medigap plans but are exempt from the OBRA 1990 standardized plan provisions (and subsequent revisions under the MMA or MIPPA). Standardized plans may therefore be changed by waivered states without federal approval. Individuals who purchase Medigap plans in one of these three states may keep their plans if they move to other states. Pre-Standardized Plans. Historically, Medigap changes have been phased in for new purchasers, and existing policyholders were allowed to retain their pre-standardized policies. Although OBRA 1990 prohibited the sale of new pre-standardized plans, some beneficiaries still have pre-standardized policies. METHODOLOGY For this report we analyzed 2013 Medicare Supplement data from the National Association of Insurance Commissioners (NAIC). Insurance companies submit their annual statement data directly to the NAIC using an electronic filing portal. Each state sets its own requirements for filing. Data from five insurance companies in California are not included in the 2013 NAIC data; they are required to report their data to California s Department of Managed Health Care which does not report Medigap enrollment data to the NAIC. We derived the total Medigap enrollment during 2013 by adding two variables together: 1) the number of policies issued before 2011, and 2) the total number of policies issued between 2011 and The NAIC requires Medigap companies to report these data separately. Only one person is covered per Medigap policy. All analyses in the report contain data from the 50 states, District of Columbia, and the U.S. territories. The territories are: American Samoa, Guam, Northern Mariana Islands, Puerto Rico, and Virgin Islands. The NAIC dataset is structured so that reported enrollment is a point-in-time measure as of December 31, Other dataset measures, such as those for premiums and claims, are for the full year. Therefore it is possible that a company may submit information on a plan type even though at the end of the year enrollment was zero. To show the number of companies with policies in force as of December 31, 2013, we selected records where the number of people covered was greater than zero. Tables 1, 2 and 3 in this report represent companies with policies in force as of December 31, Table 6 of this report contains data from the 2012 NAIC Medicare Supplement file. This dataset required two major data cleaning adjustments to reported enrollment, which America s Health Insurance Plans (AHIP) analysts corrected for over- or under-reported data. For more information please refer to the AHIP report for that year. 6 We calculated the percent of FFS beneficiaries with Medigap plans for 2010 to 2013 by dividing the number of Medigap enrollees by the number of Medicare FFS beneficiaries for each year. For the numerator we obtained the number of Medigap enrollees from the current and previous AHIP reports on Medigap Trends. 7 The denominator was the number of Medicare FFS beneficiaries from the Centers for Medicare and Medicaid Services (CMS) data for December of each year. 8 The CMS dataset provided the number of beneficiaries 6 See Trends in Medigap Coverage and Enrollment, 2012; 7 Trends in Medigap Coverage and Enrollment (2010 through 2012) at 8 CMS Medicare Advantage Penetration Reports, , accessed July 29, 2014 at Statistics-Data-and-Systems/Statistics-Trends-and-Reports/MCRAdvPartDEnrolData/MA-State-County-Penetration.html 3

6 eligible for Medicare and the number of beneficiaries enrolled in Medicare Advantage. We subtracted the number of enrollees with Medicare Advantage from the number of eligible Medicare beneficiaries to get the number of Medicare beneficiaries with FFS. Figures 1 and 2 show these data by state and territory. An estimate for the percent of new high-deductible Plan F policies sold is from a 2011 AHIP survey of Medigap companies. 9 To determine whether a Medigap plan contains new or innovative benefits we utilized the NAIC variable for plan characteristics, then selected records that contained a flag indicating the addition of new and innovative benefits. For information on types of innovative benefits offered, we referred to an internal NAIC document that contains detailed information on approved new and innovative benefits, by state and company. 10 DATA LIMITATIONS As noted, the total number of enrollees with Medigap is slightly understated because California does not require all insurance companies to report their data to the NAIC; five companies in California are required to report their data to California s Department of Managed Health Care. Data from these companies represent 659,000 Medigap enrollees, about six percent of all Medigap enrollment in the U.S., and are not included in the analyses in this report. Beneficiaries have an option to purchase Plan F as a high-deductible plan. However due to the way data are reported to the NAIC, we are unable to determine what percent of enrollees in Plan F have a high-deductible policy or what percent of companies offer highdeductible Plan F. Therefore, data in this report representing Plan F may also include the high-deductible version. Although data on high-deductible Plan F are not separately reported in the NAIC, a 2011 AHIP survey of member companies showed that enrollment in high-deductible Plan F was between one and three percent of newly-purchased policies between 2007 and Medigap plans are guaranteed renewable, therefore policyholders may keep their plans even though the plan may have been discontinued or the standard benefit design changed. This report does not make a distinction among standardized Medigap policies in force in December 2013 with respect to whether their benefit designs comply with requirements under OBRA 1990, MMA or MIPPA. This is the first time AHIP includes information on new and innovative benefits in a Medigap trends report. The NAIC Medicare Supplement data for 2013 provides information on whether a Medigap plan contains new or innovative benefits. However, the dataset does not provide information on how many enrollees have access to these extra benefits, nor does it provide information on the type of new or innovative benefit added to the plan. 9 Trends in Medigap Coverage and Enrollment, May See NAIC report, accessed September 3, 2014 at summer_nm_materials.pdf?

7 COMPANIES OFFERING COVERAGE, DECEMBER 2013 At year end, 10 percent of companies offering standardized Medigap policies covered individuals in 41 or more states or territories; 16 percent of companies covered individuals in 26 to 40 states or territories; 10 percent covered individuals in 11 to 25 states or territories; and 17 percent of companies covered individuals with standardized Medigap plans in 2 to 10 states or territories. Forty-eight percent of all Medigap companies had standardized policies in force in a single state or territory. (See Table 1). TABLE 1 Distribution of Medigap Companies with Standardized Medigap Policies in Force, by Market Size, December 2013 NUMBER OF STATES OR TERRITORIES PERCENT OF COMPANIES 41 or more 10% % % % 1 48% Source: AHIP Center for Policy and Research analysis of the NAIC Medicare Supplement Insurance Experience Exhibit, for the Year Ended December 31, Notes: Data in this table depicting the number of states are based on companies with standardized Medigap policies in force; data do not include companies with only pre-standardized policies in force. The data for standardized policies include Medicare SELECT plans, and those issued in three states (MA, MN, and WI) that received waivers from the standardized product provisions of OBRA The number of companies with standardized Medigap policies in force reporting to the NAIC for 2013 was 259. The U.S. territories are American Samoa, Guam, Northern Mariana Islands, Puerto Rico, Virgin Islands. Percentages may not sum to 100 due to rounding. Table 2 shows the number of companies with Medicare SELECT policies in force, and the number of Medicare beneficiaries having a Medicare SELECT policy on December 31, Companies with Medicare SELECT policies in force are located across the country in 43 states. There were no Medicare SELECT policies in force in the U.S. territories on December 31, TABLE 2 Number of Companies with Medicare Select Policies in Force and Number of Enrollees with Medicare Select Plans, December 2013 Number of Companies with Medicare SELECT Policies in Force Number of Enrollees with Medicare Select Policies ,309 Source: AHIP Center for Policy and Research analysis of the NAIC Medicare Supplement Insurance Experience Exhibit, for the Year Ended December 31,

8 Table 3 displays the percentage of reporting companies with standardized Medigap policies in force on December 31, 2013 by each plan type. The percentages of companies with Plans K and L, which were authorized beginning in 2006, are 15 percent and 16 percent, respectively. In June 2010, new Plans M and N were authorized for sale. Nine percent of companies had policies in force for Plan M and 45 percent of companies had policies in force in Plan N. TABLE 3 Percent of Companies with Standardized Medigap Policies in Force, by Plan Type, December 2013 PLAN TYPE PERCENT OF COMPANIES A 84% B 61% C 76% D 44% E 29% F 83% G 50% H 24% I 24% J 27% K 15% L 16% M 9% N 45% WAIVERED STATE PLANS 28% Source: AHIP Center for Policy and Research analysis of the NAIC Medicare Supplement Insurance Experience Exhibit, for the Year Ended December 31, Notes: The data for standardized policies include Medicare SELECT plans, and those issued in three states (MA, MN and WI) that received waivers from the standardized product provisions of OBRA The number of companies with standardized Medigap policies in force for 2013 was 259. All plans offering new coverage must offer Plan A. Plans E, H, I and J are no longer sold but some policyholders have retained their coverage for these plans. POLICIES IN FORCE, DECEMBER 2013 According to the NAIC data, 95 percent of Medigap policies in force in December 2013 were standardized plans. Pre-standardized plans, which were no longer sold after July 1992, account for only five percent of all Medigap policies (see Table 4). TABLE 4 Number of Policies, Standardized and Pre-Standardized Medigap Plans, December 2013 POLICIES PERCENT Standardized Plans 10,103,202 95% Pre-Standardized Plans 501,527 5% All Medigap Plans 10,604, % Source: AHIP Center for Policy and Research analysis of the NAIC Medicare Supplement Insurance Experience Exhibit, for the Year Ended December 31, Notes: The data for standardized plans contain both pre- and post-mippa plans. See page 2 for further explanation. 6

9 Among individuals with Medigap standardized plans, Plan F continues to have the highest number of enrollees, covering 55 percent of policyholders in 2013; Plan C had the second highest share, with 11 percent of the market (See Table 5). TABLE 5 Distribution of Enrollment by Standardized Plan Type, December 2013 STANDARDIZED PLAN % OF ENROLLMENT A 2% B 4% C 11% D 2% E 1% F* 55% G 6% H 1% I 1% J 6% K 1% L < 0.5% M < 0.5% N 6% WAIVERED STATE PLANS 6% * Includes high-deductible Plan F. Although not separately reported by the NAIC, a 2011 AHIP survey of member companies showed that enrollment in high-deductible Plan F was between one and three percent of newly-purchased policies in Source: AHIP Center for Policy and Research analysis of the NAIC Medicare Supplement Insurance Experience Exhibit, for the Year Ended December 31, Notes: The data for standardized policies include Medicare SELECT plans and those issued in three states (MA, MN and WI) that received waivers from the standardized product provisions of OBRA Percentages may not sum to 100 percent due to rounding. 7

10 Table 6 shows the number of standardized Medigap policies in force in December 2011, December 2012 and December 2013, by standardized plan type. As a general rule AHIP does not change or correct the NAIC data even though we are aware that some companies do not report to the NAIC. However, the 2012 report contains two major data cleaning adjustments, to correct for over- or under-reported data in the preliminary NAIC dataset. 11 TABLE 6 Change in Medigap Enrollment, Standardized Policies, December 2011 to December 2013, by Plan Type PLAN TYPE CHANGE IN ENROLLMENT PERCENT CHANGE A 186, , ,352-6,444-4% B 430, , ,294-19,872-5% C 1,307,991 1,211,857 1,133,744-78,113-6% D 289, , ,275-27,517-11% E 131, , ,021-14,001-12% F 4,604,164 5,057,890 5,510, ,293 9% G 356, , , ,459 23% H 58,232 53,090 46,362-6,728-13% I 135, , , <-0.5% J 752, , ,813-53,103-8% K 40,832 43,012 49,674 6,662 15% L 69, ,029 42,916-60,113-58% M 596 5,413 4,080-1,333-25% N 265, , , ,078 60% WAIVERED STATE PLANS 546, , ,928 14,270 3% TOTAL 9,176,336 9,579,056 10,103, ,146 5% Source: AHIP Center for Policy and Research analysis of the NAIC Medicare Supplement Insurance Experience Exhibit, for the Years Ended December 31, 2011, 2012, Notes: The data for standardized policies include Medicare SELECT plans and those issued in three states (MA, MN, WI) that received waivers from the standardized product provisions of OBRA standardized waiver plan enrollment in Minnesota estimated by AHIP based on information provided by health plan in the state that was not included in the 2011 NAIC dataset. The 2012 data reflect a correction to the original NAIC data for Alaska and Washington, which was estimated by AHIP. The percent change in Plan L for is driven mainly by the correction of a reporting error in the previous year s submission. This information was obtained via telephone with industry executives. 11 See Trends in Medigap Coverage and Enrollment, 2012; 8

11 FAST GROWING MEDIGAP PLANS Table 6 also shows enrollment in Plan N a new standardized plan with predictable costsharing amounts grew by 60 percent from 2012 to 2013 to approximately 573,000 enrollees, an increase of about 215,000 enrollees from the previous year. Plan G, which covers all Medicare deductible and coinsurance amounts except the Part B deductible, had the second highest rate of growth in enrollment for that same time period: an increase of 23 percent, representing 103,000 enrollees. The largest absolute increase in Medigap enrollment from 2012 to 2013 was in Plan F, which grew by roughly 452,000 enrollees, a nine percent increase over the previous year. The regular version of Plan F provides coverage for Medicare deductibles and coinsurance amounts. Plan F also includes a high-deductible option that allows for a deductible amount of $2,110 (in 2013) before the policy can begin paying benefits. The Medigap plan with the second highest absolute growth in enrollment from 2012 to 2013 was Plan N. MEDIGAP PLANS WITH NEW AND INNOVATIVE BENEFITS Previous AHIP reports on Medigap enrollment and coverage option trends did not include information on Medigap plans with new and innovative benefits. While every new Medigap plan issued must fall under one of the standardized plan types, some states have the flexibility to allow companies to add new and innovative benefits to a standardized Medigap plan sold in the state. These benefits must be cost-effective and may not change the cost-sharing structure or lessen the benefits of the standardized plan. 12 New and innovative benefits vary by company and may include wellness and care management assistance, nurse advice lines, coverage for certain dental or vision services, and other innovative benefits as allowed by each state. 13 An analysis of the NAIC Medicare Supplement data for 2013 shows that 26 companies offer Medigap plans with new and innovative benefits across 36 states. However, the NAIC dataset does not provide information on how many enrollees have access to these extra benefits, nor does it provide information on the type of new or innovative benefits added to the plan. MEDIGAP POLICIES BY STATE Table 7 (see page 10) shows enrollment in Medigap by state including the District of Columbia and U.S. territories and plan type in December Figure 1 (see page 11) is a map of the U.S. representing the number of Medigap enrollees by state including the District of Columbia and U.S. territories, and Figure 2 (see page 12) is a map of the U.S. showing Medigap enrollees as a percent of Medicare FFS beneficiaries, by state, District of Columbia, and U.S. territories. 12 Model Regulation to Implement the NAIC Medicare Supplement Insurance Minimum Standards Model Act (MDL 651); 13 NAIC report: results.pdf 9

Trends in Medigap Coverage and Enrollment, 2011 May 2012 SUMMARY This report presents trends in enrollment in Medicare Supplement (Medigap) insurance coverage, using data on the number of policies in force

The table below lists the licensure requirements for already-licensed PTs and PTAs applying for licensure in another jurisdiction. Summary Number of jurisdictions requiring license from: license was ever

MEDIGAP: Spotlight on Enrollment, Premiums, and Recent Trends EXECUTIVE SUMMARY Medicare supplemental insurance, also known as Medigap, is an important source of supplemental coverage for nearly one in

AL No 2 Yes No See footnote 2. AK No Yes No N/A AZ Yes Yes Yes No specific coverage or rate information available. AR No Yes No N/A CA Yes No No Section 11590 of the CA State Insurance Code mandates the

These tables provide information on what type of supervision is required for PTAs in various practice settings. Definitions Onsite Supervision General Supervision Indirect Supervision The supervisor is

Dartmouth / SilverScript Retiree Prescription Drug Plan Agenda What s Happening /Why the Change? What is Medicare Part-D? Who is SilverScript? How is this affecting my Dartmouth coverage? What do I need

State Estimates of Health Insurance Coverage Data from the National Health Interview Survey Eve Powell-Griner SHADAC State Survey Workshop Washington, DC, January 13, 2009 U.S. DEPARTMENT OF HEALTH AND

This document reports CEU requirements for renewal. It describes: Number of required for renewal Who approves continuing education Required courses for renewal Which jurisdictions require active practice

When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences? Gerald Riley Lirong Zhao Negussie Tilahun Medicare-Medicaid enrollees Vulnerable

Dignified Choice - Classic Series Final Expense Life Insurance Columbian Mutual Life Insurance Company Home Office: Binghamton, NY Administrative Service Office: Norcross, GA Columbian Life Insurance Company

January 2014 Fact Sheet Where Are States Today? Medicaid and CHIP Eligibility Levels for Children and Non-Disabled Adults as of January 1, 2014 As part of the Affordable Care Act s goal to reduce the number

The Cost and Benefits of Individual & Family Health Insurance Plans November 2011 2011 policies surveyed were active in February 2011 Table of Contents Introduction and Background...3 Methodology Summary...3

Where Are States Today? Medicaid and CHIP Eligibility Levels for Children and Non-Disabled Adults as of April 1, 2014 As part of the Affordable Care Act s goal to reduce the number of uninsured, it makes

New York Public School Spending In Perspec7ve School District Fiscal Stress Conference Nelson A. Rockefeller Ins0tute of Government New York State Associa0on of School Business Officials October 4, 2013

VCF Program Statistics (Represents activity through the end of the day on June 30, 2015) As of June 30, 2015, the VCF has made 12,712 eligibility decisions, finding 11,770 claimants eligible for compensation.

Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013 A Nationwide Survey of Program Directors Conducted by the American Society of Radiologic Technologists

OFFICE OF INSPECTOR GENERAL SPECIAL FRAUD ALERT FRAUD AND ABUSE IN NURSING HOME ARRANGEMENTS WITH HOSPICES March 1998 The Office of Inspector General was established at the Department of Health and Human

About Us For over 30 years, we have protected the interests of the small- to mid-sized businesses that insure with us. At Berkshire Hathaway Insurance Companies, we dedicate our efforts in the areas that

State Corporate Income Tax-Calculation 1 Because it takes all elements (a*b*c) to calculate the personal or corporate income tax, no one element of the corporate income tax can be analyzed separately from

Health Insurance Coverage of Children Under Age 19: 2008 and 2009 American Community Survey Briefs Issued September 2010 ACSBR/09-11 IntroductIon Health insurance, whether private or public, improves children

United States Bankruptcy Court District of Arizona NOTICE TO: DEBTOR ATTORNEYS, BANKRUPTCY PETITION PREPARERS AND DEBTORS UPDATED REQUIREMENTS FOR FORMAT OF MASTER MAILING LIST The meeting of creditors

Regional Electricity Forecasting presented to Michigan Forum on Economic Regulatory Policy January 29, 2010 presented by Doug Gotham State Utility Forecasting Group State Utility Forecasting Group Began

HEALTH CARE IN RETIREMENT GROWTH IN HEALTH CARE COSTS in the U.S. has significantly outpaced overall inflation. From 1982 to 2013, spending on health care increased at an average of 5.1%, faster than all

Larry R. Kaiser, MD President The University of Texas Health Science Center at Houston HealthCare Workforce: UTHealth Experience CHALLENGE To train the Healthcare Workforce of the 21 st Century SOLUTIONS:

United States Bankruptcy Court District of Arizona NOTICE TO: DEBTOR ATTORNEYS, BANKRUPTCY PETITION PREPARERS AND DEBTORS UPDATED REQUIREMENTS FOR FORMAT OF MASTER MAILING LIST The meeting of creditors

Ambulance Industry Receives Financial Relief Through the MMA On June 25, 2004, the Centers for Medicare and Medicaid Services (CMS) issued Transmittal 220 to Medicare Contractors outlining changes to the

Aetna Health and Life Insurance Company (AHLIC) American Continental Insurance Company (ACI) Continental Life Insurance Company of Brentwood, Tennessee (CLI) Aetna Inc. For Agent Use Only. Not to be shared

AL AK AZ AR Student, if they have a chronic condition school nurse or school administrators The student, if their parent/guardian authorizes them to. Trained school personnel can also administer Students

Rate Regulation Introduction Concerns over the fairness and equity of insurer rating practices that attempt to charge higher premiums to those with higher actual and expected claims costs have increased

Youth in the 2008 and 2006 Elections: A State-by-State Comparison By Surbhi Godsay, Amanda Nover, and Emily Hoban Kirby 1 September 2010 The 2008 presidential election saw a two percentage point increase

Federation of State s of Physical The table below provides information on approval of continuing education/competence courses and for each jurisdiction. Summary Number of jurisdictions requiring approval

ESCHEAT HAPPENS!! HOW NOT TO BE UP A CREEK WHEN IT DOES. HISTORY Romans England Magna Carta Feudal Period United States 1940 s Escheatment laws begin 1954 First Uniform Unclaimed Property Law passed 1965

Welcome to the Future of Nursing: Campaign for Action Dashboard About this Dashboard: These are graphic representations of measurable goals that the Campaign has selected to evaluate our efforts in support

OPPORTUNITIES IN THE AFFORDABLE CARE ACT TO IMPROVE HEALTH CARE COORDINATION AND DELIVERY FOR PEOPLE LIVING WITH HIV Center for Health Law and Policy Innovation chlpi@law.harvard.edu www.chlpi.org CARMEL

Risk Analysis of the TAA Population NASCHIP Conference October, 2005 The Trade Act of 2002 Tax Credit The Trade Adjustment Act of 2002 created a new health insurance tax credit The credit is for 65% of

Medicare Supplement Standardized Plans There are many kinds of Medicare Supplement Plan Different plans are designated with a letter Available plans include A, B, C, D, F, G, K, L, M, & N Not all plans

Escheat Requirements *Indicates updates in laws or regulations for the state California: See General Reporting Instructions for Holders of Unclaimed Property Missouri: Limitation does not affect property

Enrollment Snapshot of, Radiation Therapy and Nuclear Medicine Technology Programs 2014 January 2015 2015 ASRT. All rights reserved. Reproduction in any form is forbidden without written permission from

THE Tax Burden ON TOBACCO HISTORICAL COMPILATION VOLUME 49, 2014 THE TAX BURDEN ON TOBACCO Historical Compilation 2014 i ACKNOWLEDGMENTS This is the 65 th version of the annual compendium on tobacco revenue

Policy Forms and Endorsements IT IS WOLTERS KLUWER FINANCIAL SERVICES' POLICY TO LIMIT THE SALE OF BUREAU FORMS TO THE MEMBERS AND SUBSCRIBERS OF THOSE RESPECTIVE BUREAUS. PURCHASE AND USE OF BUREAU FORMS

To ensure the functioning of the site, we use cookies. We share information about your activities on the site with our partners and Google partners: social networks and companies engaged in advertising and web analytics. For more information, see the Privacy Policy and Google Privacy &amp Terms.
Your consent to our cookies if you continue to use this website.